Hold more. Spend more. Keep more.

Two things determine your cashback. Your monthly sets your cap and your monthly spend sets your rate.

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Spending tiers on the CobWeb Pay app

Monthly spend

Set by how much you spend

A certain monthly spend amount triggers a certain return-rate threshold. Find the row that matches your spend.

1%

$500

2%

$3,000

2.5%

$10,000

3%

$20,000

Cashback rate

You earn

1%

When you spend at least $500 a month

What this means

Your rate is the highest threshold your spend reaches that month. It applies from the moment you reach it. Spend already settled at a lower rate stays there.

You earn this rate on eligible spend, up to your monthly cap.

Monthly cashback cap

Set by the highest row you match

Take the highest row you match. Your subscription level sets a starting cap. Holding a larger balance raises it.

What you match

Monthly cap

Core level

$50

Elite level

$100

$50,000 held

$200

$100,000 held

$500

$200,000 held

$1,000

What this means

Your subscription level sets a starting cap. Holding a larger balance can raise it.

The cap is a ceiling, not a payout. You earn cashback on eligible spend up to this amount, paid in USDT.

Your rate is set separately by what you spend each month.

Ready when you are

The CobWeb Pay USD Card takes a few minutes to set up.

Spending tiers on the CobWeb Pay app